Amazon Visa

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The Amazon Visa is a cash back card designed for people who shop on Amazon but don’t have an Amazon Prime membership. If you do, you’ll want to consider the Prime Visa. But most people shop on Amazon at least occasionally, and this card gives you 3% cash back on Amazon and Whole Foods purchases. There’s a modest welcome bonus and no annual fee. New, starting in May 2023, cardholders can earn cash back on travel purchased through Chase and on local transit including rideshare. However, the APR can be high. We dive into the details and your approval odds in this Amazon Visa review.

Our Rating

4.2/5.0

Welcome Offer

$105

Annual Fee

$0

0% on Purchases

N/a

Reward Rate

1% to 3%

0% on Balance Transfers

N/a

Welcome Offer

Earn up to $105 with this limited-time offer. Get a $60 Amazon Gift Card instantly upon approval and earn 3% back everywhere on up to $1,500 in spending for the first 3 months after account opening ($45 value).

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability
Contactless PaymentsTap to Pay, Apple Pay, Google Pay
BenefitsExtended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksConcierge Services, Luggage Protection, Travel Accident Insurance

Rewards

1% cash back
On all other eligible purchases
Earn 1% back on all other purchases.
2% cash back
Dining
Earn 2% back at restaurants.
2% cash back
Gas
Earn 2% back at gas stations.
2% cash back
Transit
Earn 2% back on local transit and commuting (including rideshare).
3% cash back
Select Categories
Earn 3% back at Amazon.com and Amazon Fresh.
3% cash back
Select Categories
Earn 3% back at Whole Foods Market.
3% cash back
Travel
Earn 3% back on Chase Travel purchases.

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR19.24% to 27.24% variable APR (V) APR

Insurance

Extended Warranty

Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

Lost Baggage Insurance

Baggage delay insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

Lost luggage reimbursement

If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you’re covered up to $3,000 per passenger.

What Credit Score Is Required to Get the Amazon Visa

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 689

Average Approved Credit Score: 721

App StatusDateCredit ScoreBureauCredit Limit
Approved06/11/2022
695
Equifax
$1,500
Approved12/09/2022
737
Equifax
$4,200
Approved06/11/2022
689
Experian
$1,500
Approved06/11/2022
722
TransUnion
$1,500
Approved12/09/2022
736
TransUnion
$4,200
Approved12/09/2022
749
Experian
$4,200

Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • Up to 3% cash back
Cons
  • High APR
  • Requires good credit

What Are the Best Alternatives?

Prime Visa
Prime Visa

Rating

4.5

Rewards Range

1% - 10%

Annual Fee

$0

Read Review
Chase Freedom Unlimited®
Chase Freedom Unlimited®

Rating

4.9

Rewards Range

1.5% - 5%

Annual Fee

$0

Read Review
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express

Rating

4.4

Rewards Range

1%-3%

Annual Fee

$0

Read Review

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